Investor Presentaiton

Operating Expenses Cost to Income Ratio (%) 34.0 34.8 33.1 33.5 30.8 28.7 28.2 26.7 Highlights Income Liquidity Risk Expenses Capital Divisional 10 27.4 Key Highlights 9M'22 cost to income ratio at 28.2% within guidance reflecting stronger income enabling accelerated investment for growth Staff costs increased y-o-y on incentives to drive underlying earnings. and investment in human capital for future growth in digital and international Higher depreciation and amortization costs reflect increased investment in digital platform Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 CI Ratio (YTD) Guidance CI Ratio (QTD) Operating expenses trends All figures are in AED mn +19% 2,272 2,327 2,078 1,956 1,965 499 Other Cost 625 457 410 400 177 IT & Commun. 182 150 156 175 255 Dep. & Amort. 236 239 217 208 1,396 1,157 1,229 1,192 1,238 Staff Cost Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Operating expenses composition (%) Breakdown as of Q3-22 Depreciation 9% Amortization 2% Other 11% O Staff 60% IT 4% Occupancy 3% Equip. & Supp. 3% Commun. 3% Service & Legal... Marketing 2% 20

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